Tools & calculators
Roth conversion calculator
Quickly compare potential tax outcomes and see how smart timing can affect your long-term savings.
After-tax value at withdrawal age
How to read this
A Roth conversion is fundamentally a bet on tax rates: pay today's rate on the converted amount, or pay the future rate on the amount plus all its growth. When your retirement rate is likely to be higher — pensions stacking with Social Security and required minimum distributions, for example — converting early can come out ahead. When today's rate is the higher one, waiting usually wins.
Real conversions also interact with Medicare premiums (IRMAA), Social Security taxation and multi-year bracket management, which this simple model doesn't capture. Bring your numbers to a complimentary consultation and we'll model the full picture.
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